Borrow against BNKR
Teller pools accept BNKR as collateral on Base at up to 20% LTV, lending USDC on a seven-day cycle rather than the thirty days almost every other pool uses. Interest is pro-rated across the week, so a 45% APR costs about a fifty-second of that for the term. Every loan is fixed-term with no margin-call, so a price fall during the loan cannot liquidate your collateral.
| Collateral | Network | LTV | APR |
|---|---|---|---|
| BNKR | Base | 20% | 45% |
Pool data read . Rates and LTVs are set per pool and change when operators change them.
A seven-day loan, where everything else runs thirty
Almost every pool on this platform settles on a 30-day cycle. The BNKR pool settles in seven. That single parameter changes what the loan is good for, and it is the reason this row is worth reading differently from the ones around it.
Interest is charged for the days you hold the loan, not for a year, so the annual rate gets pro-rated across the cycle. At the 45% shown above, a week costs roughly 0.86% of the principal. Read the APR next to a 30-day row and you will overstate the cost by about four times.
What a short cycle is actually for
Short terms suit spending that resolves quickly. Covering a gap until a payment arrives, funding something for a few days, or taking dollars out of a position you expect to want back next week. You commit for seven days rather than a month, and you get the collateral back that much sooner.
The other side is the calendar. A due date seven days out arrives four times as often as a monthly one, and forfeiting the collateral for missing it is the same outcome either way. Diary the date the moment you borrow. If you want longer exposure, rolling is the mechanism, and each roll re-prices at whatever the pool quotes then rather than carrying the old terms forward.
Bankr, and the deposit itself
Bankr is a trading agent on Base that people drive from social deposits rather than from a front end, and BNKR is its token. It sits in the group of Base assets that arrived alongside the agent wave there, and like the rest of that group it is priced by a single operator willing to take it.
The pool accepts 0x22af33fe49fd1fa80c7149773dde5890d3c76f3b only, and it holds four figures of USDC to lend. Every loan is fixed-term with no margin-call, so a price fall during the loan cannot liquidate your collateral. Base gas is cents across the approval and the borrow.
Thirty-day alternatives on the same chain are on the Base collateral page, and CLANKER is the closest comparison by depth.
Frequently asked questions
Seven days. Nearly every other pool on the platform runs a 30-day cycle, so check the term on this row rather than assuming.
No. Interest is pro-rated over the days you hold the loan, so on a seven-day term you pay roughly a fifty-second of the annual figure. Comparing this row's APR against a monthly row overstates the cost about fourfold.
Roll it at the due date. Each roll re-prices at whatever the pool quotes then, so the terms are not carried forward from the original loan.
The collateral is forfeit, exactly as on a 30-day loan. The date simply arrives more often, so it is worth diarising as soon as you borrow.
0x22af33fe49fd1fa80c7149773dde5890d3c76f3b on Base, and no other. Start from the row in the table rather than searching by ticker.
Open a loan
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